You Need An Annuity Cancer Doctor: Shootin' It Straight with Stan®

Today's topic is a motivational one. It's called you need an annuity cancer doctor. You're saying, "Wait, whoa, whoa, don't you cross a line there with old cancer word." You know what? I can do that because I am a recovering cancer survivor. Had a melanoma, that took a big chunk out of my leg a long time ago. And I have to go back every six months to the dermatologist. I understand the fear of cancer.

You Don’t Need an Annuity Friend

When you go see your cancer doctor, you do not want him or her to be your friend. You do not want him or her to tell a joke. You couldn’t give a crap about their bedside manner. You don't care about their family. You don't care about any of that. All you care about is that they're smart, they're qualified and they're going to be brutally factual about your cancer diagnosis. I've been there. And the doctor, he was like, "All right, here's what we have. Here's your melanoma. Here's the size of it. Here's the problem. Here's the risk. Here's the survival rate. Here are the actions. Here's what we need to do." That's exactly what I wanted to hear. I didn't want to play around. I wanted to know about my cancer and if I was going to survive.

The same thing applies to annuities. You need an annuity cancer doctor. I'm that person. I am brutally factual. I am the walking middle finger of annuity truth, as somebody branded me a long time ago. And I went, "Hey, that's abrasively unique, but I like it." I always said, I'm never going to be your friend, but I'll be the best advisor you've ever had. We're never going to talk about the football game of this past weekend. We're never going to talk politics. We're never going to talk about any of that. What are we going to talk about? You. We're going to talk about you, your money, your family, how it affects your family, and setting things up. And structuring things in a customized manner that fit your goals and expectations. The contractual realities.

That's what we're going to talk about. We're going to talk about the truth. We're going to talk about how you're going to be affected by your choices. Whether you move into an annuity or not. The good and the bad, the limitations and the benefits, and whether an annuity fits you or not. I'm going to ask you two questions. What do you want the money to contractually do? And when do you want those contractual guarantees to start? I'm going to ask cancer-type questions that are annuity questions.

What Do Annuities Solve?

Annuities solve for four things, Principal protection, Income for life, Legacy, and Long Term Care. They are not market-growth products. You can get growth off of a Fixed Rate Annuity or an Indexed Annuity, but those are CD-type products. Variable Annuities I don't sell. You'd be better off just going to buy your own mutual funds.

I did a recent podcast with a guy named Rick Ferri, if you go to my site, F-E-R-R-I. Has a great mutual fund portfolio that he uses with the Bogle heads and with Vanguard. And it's a no-brainer. After listening to him, I have no clue why anybody would buy a Variable Annuity. Nothing against Variable Annuities, but the average Variable Annuity fee for the life of the policy annually is 3%. That's a lot.

You need an annuity cancer doctor; you don't need a friend in the annuity business. If you want a friend in the annuity business, buy a dog and name it Annuity. That's what you should do. All the stuff that's being taught a lot of the time in the annuity industry is “be friends with your clients.” You don't need that. You don't need any more friends. You just need the facts. That's the reason I put out all these videos. We're educating you on all things financial. Not just annuities, but all things financial, whether it's Long Term Care or life insurance or mutual funds or stocks or bonds, or whatever. We do that so you can understand and make a good decision. There's so much noise out there in the industry. All you really want, I'm assuming, are the facts. And then you can make your decisions from there.

Your Terms, Your Timeframe

We always say that our clients make their decisions on their terms and on their timeframes, which led to us trademarking the annuity man®, and the trademark phrases “where annuities are bought, not sold.” Now you got to say, "Well, wait a minute. Don't you sell them?" Yeah, we sell more than anyone on the planet, but on your terms and on your timeframe. Most of the sales that happen with us is after you go to my site at theannuityman.com. You've run quotes on our proprietary calculators. You've looked at our MYGA feed. You've ordered the books. You've watched the videos. You've listened to the podcast. You'd schedule a call with me or one of my smart associates that knows more than I do. And you've talked to us, and you've learned, and you've understood.

You've had conversations with your family or your spouse and said, "This is what I'm thinking. This is what Stan and his team are talking about. This is an idea that I think fits us. This is the proportion, the allocation that I think would fit us. Stan's not our friend. He says it up front.” I'm never going to call and chat about the NBA playoffs or a concert. Never.  But we're never going to have those conversations. Why? Because that's not what I'm here to do. I'm here to help you with your financial situation. I'm here to help you understand if and when an annuity works and what type. And in proportion, how much? That's what I'm here for.

Just like when you go to the cancer doctor. Why do you go to the oncologist's office? To get a recommendation and to get an update on what's happening with you. For a lot of you out there, you know what I'm talking about. You don't go there for anything other than that. And you don't expect anything more than that. And you shouldn't expect anything more than that. You should expect 100% facts and truth without mincing words. I'm just something unique in the annuity industry. That's what I do.

There are no bad chicken dinner seminars. I don't have to serve you meals to get you to listen. I don't have to serve you an expensive steak dinner to get you to my office. We don't meet face to face. Why? Because we don't have to. Why? Because we're looking only at the contractual guarantees of the policy. Period. There's no polishing it up. There's no making it fancy. There's no making it more attractive.

Either the contractual guarantees are attractive to you, or they're not. Either way, I respect your decision professionally. Because remember, it's your money. Not the advisor's money. It's your money. You make the decision. I always laugh when people say, "Well, my advisor's really against annuities." That's the dumbest thing I've ever heard. Annuities, plural. Like it's just one big category. Give me a break.

It's Your Money

"Well, my advisor just really doesn't want me to move the money." And I'm like, "It's your money. Tell the advisor to go take a hike. Kiss your rear end. It's your money. You're going to make the decision on an informed choice as possible. You're going to make your decision by doing your research and doing your homework. It's not their money." I mean, sometimes I think you forget that. The cancer doctor, when you go see them, they're not talking about your lifestyle. They're not talking about your car or your house or where you're going to go on your vacation. They're talking about you surviving cancer. How do you do that? How do you plan for that? What are the steps to do that? Same thing when you talk to us.

We are planning for you to live for a long time. We are trying to put things in place so that you're never going to outlive your money, or that you're going to protect the principal, or that you're just going to peel off the interest. We are the annuity cancer doctor. You need to be looking for an annuity cancer doctor. That's us. We're that spot. There is no laughing and joking. Yes, I love life. We might have some fun on the phone, but at the end of the day, it's brutally factual. And we're talking about you and we're talking about your life. Cancer doctors talk about your life. Annuity man is talking about your life. And how to live a good life, how to live a better chapter two.

In the world of advisors trying to be your friend, in the world of advisors telling you about their kids, in the world of advisors telling you everything other than what needs to happen with your money, I'm the antithesis of that. My company is 100% opposite to that. I tell all of the people that work for me. Yes, I do own 100% of this company, but I have a bunch of good people that work for me. And I tell them this all the time. Number one, respect the people. Number two, be nice. Number three, it's their money. Number four, do not get personal. Be strictly business and professional and act like an annuity cancer doctor. When they first get hired, they look at me like, "Huh?" I say, "Think about it. We're only trying to have them have a better life. That's what we're doing." And that's what you should look for.

I encourage you to go to my site at theannuityman.com. Get my books. Run quotes on my proprietary calculators. Look at the live MYGA feed. Schedule a call. Hopefully, you can get me. If you don't, that's fine. You're probably better off if you don't because my team is so smart. And then if you decide to do business, we take care of everything from start to finish.

Never forget to live in reality, not the dream, with annuities and contractual guarantees! You can use our calculators, get all six of my books for free, and most importantly book a call with me so we can discuss what works best for your specific situation.